<PAGE>


              NINTH AMENDMENT AND MODIFICATION TO CREDIT AGREEMENT
              ----------------------------------------------------

         THIS NINTH AMENDMENT AND MODIFICATION TO CREDIT AGREEMENT (the
"Amendment") is made as of the 19th day of February, 2002, by and among SYSTEMS
& COMPUTER TECHNOLOGY CORPORATION ("Company"), SCT SOFTWARE & RESOURCES
MANAGEMENT CORPORATION ("Borrowing Subsidiary") (collectively, "Borrowers" and
individually a "Borrower") and CITIZENS BANK OF PENNSYLVANIA, successor to
Mellon Bank, N.A. ("Bank").

                                   BACKGROUND
                                   ----------

         A. By a Credit Agreement dated June 20, 1994 by and among Bank and
Borrowers, as amended by Amendment and Modification to Credit Agreement dated
April 8, 1997, Second Amendment and Modification to Credit Agreement dated April
8, 1997, Third Amendment and Modification to Credit Agreement dated June 4,
1997, Fourth Amendment and Modification to Credit Agreement dated May 6, 1998,
Fifth Amendment and Modification to Credit Agreement dated October 9, 1998,
Sixth Amendment and Modification to Credit Agreement dated July 7, 2000, Seventh
Amendment and Modification to Credit Agreement dated September 7, 2000 and
Eighth Amendment and Modification to Credit Agreement dated June 20, 2001
(collectively, the "Credit Agreement"), Bank agreed, inter alia, to extend to
Borrowers a revolving credit facility in the principal amount of up to Thirty
Million Dollars ($30,000,000.00) (the "Revolving Credit"), as further evidenced
by that certain Amended and Restated Promissory Note dated April 8, 1997 payable
to Bank in the original principal amount of Thirty Million Dollars
($30,000,000.00) (the "A&R Note").

B. Borrowers have requested that Bank agree, subject to the terms hereof, to
issue for the account of Borrowers standby letters of credit and guaranties
issued by financial institutions under the laws of the United Kingdom, the
aggregate U.S. dollar equivalent amount of which shall be included within and
shall not increase the amount of the Revolving Commitment.

         NOW, THEREFORE, intending to be legally bound hereby, the parties
hereto agree as follows:

         1. CAPITALIZED TERMS. Capitalized terms not otherwise defined herein
will have the meanings set forth therefor in the Credit Agreement.

         2. LETTERS OF CREDIT/UK GUARANTEES. The following is hereby added to
and made a part of the Credit Agreement as subparagraph (g) of Section 2.01:

         "(g) Letters of Credit/UK Guarantees. (1) At the request of Borrowers,
         Bank, at its sole discretion, may issue under the Revolving Commitment
         for the account of Borrowers and/or Guarantors, guarantees issued under
         the laws of the United Kingdom ("UK Guarantees") and/or standby letters
         of credit, each in form and content satisfactory to Bank in its
         reasonable discretion. Such letters of credit shall have a term not to

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         exceed the Maturity Date. Notwithstanding the foregoing, (i) at no time
         shall the aggregate U.S. dollar equivalent of all L/C-Guarantee
         Obligations (as hereafter defined) exceed Three Million Dollars
         ($3,000,000.00); and (ii) at no time shall the outstanding principal
         balance of the Revolving Loans, plus the aggregate amount of all
         L/C-Guarantee Obligations exceed the Revolving Commitment.

                  (2) Borrowers will execute a letter of credit application and
         letter of credit agreement, and/or such other documents as may be
         reasonably requested by Bank in connection with the issuance of letters
         of credit or UK Guarantees hereunder. The letters of credit and UK
         Guarantees issued hereunder and all such applications, agreements and
         documents, as amended or replaced from time to time, are referred to
         herein collectively the "L/C-Guarantee Documents". Notwithstanding the
         provisions of Section 2.01(a) or any other provision of this Agreement,
         the aggregate amount of all L/C-Guarantee Obligations will reduce
         Borrowers' ability to borrow Revolving Loans by the aggregate amount of
         such L/C-Guarantee Obligations, and the amount available to be borrowed
         by Borrowers at any time shall be the Revolving Commitment less the
         amount of the L/C-Guarantee Obligations at such time less any reserves
         and other limitations imposed by Bank pursuant to the terms of this
         Credit Agreement. Each letter of credit and UK Guarantee issued
         hereunder shall comply with the related L/C-Guarantee Documents, which
         shall be in form and content acceptable to Bank in its reasonable
         discretion.

                  (3) All sums drawn on a letter of credit or UK Guarantee
         issued hereunder shall be due and payable in full in U.S. Dollars by
         Borrower on the date drawn or paid, together with all fees, costs and
         expenses paid or incurred by Bank in connection therewith; and all such
         sums not so paid shall, unless otherwise indicated in the applicable
         L/C-Guarantee Documents, bear interest at the rate provided in Section
         3.02. until paid in full.

                  (4) Borrowers expressly agree that Bank may: (i) at the
         Borrower's request, made in accordance with the other terms and
         conditions of this Agreement; or (ii) in Bank's sole discretion, but
         without any obligation to do so; advance a Revolving Loan to fund any
         sums drawn or paid or owing under or in connection with any letter of
         credit or UK Guarantee issued hereunder. Any such Revolving Loan shall
         be a Prime Rate Loan. Borrowers' obligation to pay and reimburse Bank
         for each draw or payment under a letter of credit or UK Guarantee
         issued hereunder and all fees, costs and expenses is absolute and
         unconditional under all circumstances, irrespective of any rights of
         setoff, counterclaim or defense to payments Borrowers may claim or have
         against Bank, the beneficiary of the letter of credit or UK Guarantee
         or any other Person, including, without limitation, any defense based
         on any failure of Borrowers to receive consideration or the legality,
         validity, regularity or enforceability of any letter of credit or UK
         Guarantee issued hereunder.


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<PAGE>

                  (5) The renewal or extension of any letter of credit or UK
         Guarantee issued hereunder shall, for purposes hereof, be treated in
         all respects the same as the issuance of a new letter of credit or UK
         Guarantee hereunder.

                  (6) Bank may provide that the letters of credit issued
         hereunder shall be subject to The Uniform Customs and Practice for
         Documentary Credits, as published as of the date of issue by the
         International Chamber of Commerce (the "UCP"), and Article 5 of the
         Uniform Commercial code in effect in the Commonwealth of Pennsylvania
         (the "UCC"), in which case the UCP and Article 5 of the UCC may be
         incorporated by reference therein and deemed in all respects to be a
         part thereof. In the event that Bank hereafter generally agrees that
         standby letters of credit Bank issues will be subject to the
         International Standby Practices, as now or hereafter issued (the
         "ISP"), in lieu of the UCP and/or Article 5 of the UCC, letters of
         credit issued hereunder shall thereafter be subject to the ISP.

                  (7) In addition to their other obligations under this
         subparagraph (g), Borrowers jointly and severally agree to protect,
         indemnify, pay and save Bank harmless from and against any and all
         claims, demands, liabilities, damages, losses, costs, charges and
         expenses (including reasonable attorneys' fees) that the Bank may incur
         or be subject to as a consequence, direct or indirect, of (A) the
         issuance of any letter of credit and/or UK Guarantee hereunder or (B)
         the failure of the Bank to honor a drawing or demand under a letter of
         credit or UK Guarantee as a result of any act or omission, whether
         rightful or wrongful, of any present or future de jure or de facto
         government or governmental authority (all such acts or omissions,
         herein called "Government Acts").

                  (8) As between Borrowers and the Bank, Borrowers shall assume
         all risks of the acts, omissions or misuse of any letter of credit or
         UK Guarantee by the beneficiary thereof. The Bank shall not be
         responsible for: (i) the form, validity, sufficiency, accuracy,
         genuineness or legal effect of any document submitted by any party in
         connection with the application for and issuance of any letter of
         credit or UK Guarantee, even if it should in fact prove to be in any or
         all respects invalid, insufficient, inaccurate, fraudulent or forged;
         (ii) the validity or sufficiency of any instrument transferring or
         assigning or purporting to transfer or assign any letter of credit or
         UK Guarantee or the rights or benefits thereunder or proceeds thereof,
         in whole or in part, that may prove to be invalid or ineffective for
         any reason; (iii) errors, omissions, interruptions or delays in
         transmission or delivery of any messages, by mail, cable, telegraph,
         telex or otherwise, whether or not they be in cipher; (iv) any loss or
         delay in the transmission or otherwise of any document required in
         order to make a drawing or payment under a letter of credit or UK
         Guarantee or of the proceeds thereof; and (v) any consequences arising
         from causes beyond the control of the Bank, including without
         limitation, any Government Acts. None of the above shall affect,
         impair, or prevent the vesting of the Bank's rights or powers
         hereunder.


                                       3
<PAGE>


                  (9) In furtherance and extension and not in limitation of the
         specific provisions hereinabove set forth, any action taken or omitted
         by the Bank under or in connection with any letter of credit or UK
         Guarantee or the related certificates, if taken or omitted in good
         faith, shall not put such Bank under any resulting liability to
         Borrowers. It is the intention of the parties that this Agreement shall
         be construed and applied to protect and indemnify the Bank against any
         and all risks involved in the issuance of the letters of credit or UK
         Guarantees hereunder, all of which risks are hereby assumed by
         Borrowers, including, without limitation, any and all Government Acts.
         The Bank shall not, in any way, be liable for any failure by the Bank
         or anyone else to pay any drawing or demand under any letter of credit
         or UK Guarantee as a result of any Government Acts or any other cause
         beyond the control of the Bank.

                  (10) The obligations of Borrowers under this subparagraph (g)
         shall survive the termination of this Agreement. No act or omission of
         any current or prior beneficiary of a letter of credit or UK Guarantee
         shall in any way affect or impair the rights of the Bank to enforce any
         right, power or benefit under this Agreement.

                  (11) Notwithstanding anything to the contrary contained in
         this subparagraph (g) Borrowers shall have no obligation to indemnify
         the Bank in respect of any liability incurred by the Bank (i) arising
         solely out of the gross negligence or willful misconduct of the Bank,
         as determined by a court of competent jurisdiction, or (ii) caused by
         the Bank's failure to pay under any letter of credit after presentation
         to it of a request strictly complying with the terms and conditions of
         such letter of credit, as determined by a court of competent
         jurisdiction, unless such payment is prohibited by any law, regulation,
         court order or decree.

                  (12) In the event that the Revolving Commitment is terminated
         for any reason or demand is made thereunder, Borrowers will deposit
         with Bank an amount equal to 100% of the L/C-Guarantee Obligations,
         plus all fees related thereto or to accrue thereunder. Such funds will
         be held by Bank as cash collateral to secure Borrowers' obligations
         hereunder.

                  (13) For purposes hereof, "L/C-Guarantee Obligations" means,
         at any time, the sum of (i) the aggregate undrawn amount of all letters
         of credit issued hereunder outstanding at such time, plus (ii) the
         aggregate amount of all drawings under letters of credit issued
         hereunder, and all fees, costs and expenses paid or incurred or charged
         by Bank in connection therewith, for which Bank has not at such time
         been reimbursed, plus (iii) aggregate face amount of all outstanding UK
         Guarantees, issued hereunder plus (iv) the aggregate amount of all sums
         paid under UK Guarantees issued hereunder, and all fees, costs and
         expenses paid or incurred or charged by Bank in connection therewith,
         for which Bank has not at such time been reimbursed.



                                       4
<PAGE>

                  (14) In consideration of the issuance of letters of credit
         issued hereunder, Borrowers promise to pay to Bank a fee equal to one
         percent (1%) of the average daily maximum amount available to be drawn
         under each such standby letter of credit computed at a per annum rate
         for each day from the date of issuance to the date of expiration, which
         fee will be payable quarterly in arrears. In consideration of the
         issuance of UK Guarantees hereunder, Borrowers shall pay to Bank such
         fees as Bank shall determine from time to time, payable when and as
         directed by Bank.

                  (15) In addition to the foregoing, Borrowers promise to pay to
         Bank the letter of credit fronting and negotiation fees customarily
         charged by Bank from time to time and the customary charges from time
         to time of Bank with respect to the issuance, amendment, transfer,
         administration, cancellation and conversion of, and drawings under,
         such letters of credit.

                  (16) Letters of Credit issued hereunder shall be issued in
         U.S. Dollars or in such foreign currency as approved by Bank. Without
         limiting the foregoing, any such foreign currency shall be freely
         transferable and convertible into U.S. Dollars and shall be readily
         available to banks in the London Interbank Market. All letters of
         credit issued hereunder in any foreign currency shall be subject to
         such additional rules, limitations, fees and conditions, including,
         without limitation, procedures for conversion of such currencies into
         United States Dollars, as Bank shall establish from time to time.
         Without limiting the foregoing, Borrowers shall bear all risks
         associated with fluctuations in the value of any letters of credit
         issued in foreign currency.

                  (17) Borrowers hereby authorize Bank to charge, at Bank's
         option, any account(s) of a Borrower with the amount of all payments
         and fees due hereunder to Bank as and when such payments become due."

         3. CLARIFICATION. Bank and Borrowers agree that: (i) in calculating the
commitment fee payable to Bank under the provisions of Section 2.01(d)
(Commitment Fee) of the Credit Agreement, the aggregate amount available to be
drawn on any letters of credit or UK Guarantees issued and outstanding hereunder
shall constitute a "used" portion of the Revolving Commitment; and (ii)
"Borrowings" as used in Section 2.03(a) (Mandatory Repayments) of the Credit
Agreement shall mean Revolving Loans plus L/C-Guarantee Obligations.

         4. FURTHER ASSURANCES. Each Borrower covenants and agrees to execute
and deliver to Bank or to cause to be executed and delivered at the sole cost
and expense of Borrowers, from time to time, any and all other documents,
agreements, statements, certificates and information as Bank shall reasonably
request to evidence or effect the terms hereof, the Credit Agreement, as
amended, or any of the other Loan Documents.

                                       5
<PAGE>

         5. FURTHER AGREEMENTS AND REPRESENTATIONS. Each Borrower does hereby:

                  (a) ratify, confirm and acknowledge that the Credit Agreement,
as amended, and the other Loan Documents continue to be and are valid, binding
and in full force and effect;

                  (b) acknowledge and agree that as of the date hereof, such
Borrower has no defense, set-off, counterclaim or challenge against the payment
of any sums owing under Loan Documents, the enforcement of any of the terms of
the Credit Agreement, as amended, or the other Loan Documents;

                  (c) represent and warrant that no Event of Default or
Potential Event of Default currently exists;

                  (d) acknowledge and agree that any outstanding letters of
credit or UK Guarantees previously issued by Bank for the account of any
Borrower shall constitute a letter of credit and UK Guarantee issued under
Section 2.01(g) of the Credit Agreement; and

                  (e) acknowledge and agree that nothing contained herein and no
actions taken pursuant to the terms hereof is intended to constitute a novation
of the Credit Agreement or any of the other Loan Documents, and does not
constitute a release, termination or waiver of any of the guarantees, rights or
remedies granted to the Bank therein, which guarantees, rights and remedies are
hereby ratified, confirmed, extended and continued as security for the
obligations of Borrowers to Bank under the Credit Agreement and the other Loan
Documents, including, without limitation, this Amendment.

         6. COSTS AND EXPENSES. Borrowers shall pay to Bank all reasonable costs
and expenses incurred by Bank in connection with the review, preparation and
negotiation of this Amendment and all documents in connection therewith,
including, without limitation, Bank's reasonable attorneys' fees and costs.

         7. INCONSISTENCIES. To the extent of any inconsistency between the
terms, conditions and provisions of this Amendment and the terms, conditions and
provisions of the Credit Agreement or the other Loan Documents, the terms,
conditions and provisions of this Amendment shall prevail. All terms, conditions
and provisions of the Credit Agreement and the other Loan Documents not
inconsistent herewith shall remain in full force and effect and are hereby
ratified and confirmed by Borrowers.

         8. CONSTRUCTION. All references to the Credit Agreement therein or in
any other Loan Documents shall be deemed to be a reference to the Credit
Agreement as amended hereby.

         9. NO WAIVER. Nothing contained herein and no actions taken pursuant to
the terms hereof are intended to nor shall they constitute a waiver by the Bank
of any rights or remedies available to Bank at law or in equity or as provided
in the Credit Agreement or the other Loan Documents. Nothing contained herein
constitutes an agreement or obligation by Bank to grant any further amendments
or consents.

         10. BINDING EFFECT. This Amendment shall be binding upon and inure to
the benefit of the parties hereto and their respective successors and assigns.

         11. GOVERNING LAW. This Amendment shall be governed by and construed in
accordance with the laws of the Commonwealth of Pennsylvania.

         12. HEADINGS. The headings of the sections of this Amendment are
inserted for convenience only and shall not be deemed to constitute a part of
this Amendment.


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<PAGE>



         IN WITNESS WHEREOF, the parties hereto have executed this Amendment as
of the date first above written.

                                     SYSTEMS & COMPUTER TECHNOLOGY
                                     CORPORATION

[CORPORATE SEAL]
                                     By: /s/ Eric Haskell
                                         -----------------------------------
                                         Eric Haskell, Senior Vice President


                                     SCT SOFTWARE & RESOURCE MANAGEMENT
                                     CORPORATION

[CORPORATE SEAL]
                                     By: /s/ Eric Haskell
                                         -----------------------------------
                                         Eric Haskell, Senior Vice President

                                     CITIZENS BANK OF PENNSYLVANIA


                                     By: /s/ Frank P. Mohapp
                                         --------------------------------------
                                         Frank P. Mohapp, Senior Vice President



                                       7
<PAGE>



                           ACKNOWLEDGMENT AND CONSENT

         The undersigned Guarantors hereby acknowledge and consent to the
foregoing Amendment and agree that the foregoing Amendment shall not constitute
a release or waiver of any of the obligations of the undersigned to the Bank
under the terms of their respective Subsidiary Guaranty Agreements dated June
20, 1994 or July 7, 2000, respectively, all of which are hereby ratified and
confirmed.

         IN WITNESS WHEREOF, the undersigned, intending to be legally bound
hereby, have executed this Acknowledgment and Consent, effective as of the date
of the foregoing Agreement.

                             SCT UTILITY SYSTEMS, INC.

                             By:               /s/ Eric Haskell
                                ------------------------------------------------
                             Name/Title:   Eric Haskell,  Senior Vice President
                                        ----------------------------------------


                             SCT FINANCIAL CORPORATION

                             By:               /s/ Eric Haskell
                                ------------------------------------------------
                             Name/Title:   Eric Haskell,  Senior Vice President
                                        ----------------------------------------


                             SCT INTERNATIONAL LIMITED

                             By:               /s/ Eric Haskell
                                ------------------------------------------------
                             Name/Title:   Eric Haskell,  Senior Vice President
                                        ----------------------------------------


                             SCT PROPERTY, INC.

                             By:               /s/ Eric Haskell
                                ------------------------------------------------
                             Name/Title:   Eric Haskell,  Senior Vice President
                                        ----------------------------------------


                             SCT MANUFACTURING & DISTRIBUTION
                             SYSTEMS, INC.

                             By:               /s/ Eric Haskell
                                ------------------------------------------------
                             Name/Title:   Eric Haskell,  Senior Vice President
                                        ----------------------------------------


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